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Freeway Insurance review 2025

Updated Apr 11, 2025
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At a glance

Bankrate's take

Policyholders looking for high-risk, affordable coverage and unique program options may want to consider working with Freeway Insurance, a private broker, to match them with a suitable company.

  • Technically an insurance broker, not a traditional insurance company
  • Specializes in high-risk auto insurance, with SR-22s available
  • English-Spanish bilingual insurance agents
  • Mexican car insurance insurance available
  • Can help you purchase home, renters, life, pet and other insurance lines

Freeway Insurance car insurance review

Our insurance editorial team, which includes licensed insurance agents, did a thorough Freeway Insurance insurance review to determine the scope of the company's offerings. The company advertises low-cost car insurance for drivers in all 50 states, so if you are in the market for cheap coverage, Freeway might be a great broker to work with. It’s also a good option for drivers who have a poor driving record, low credit score or DUI history.

However, Freeway does not underwrite its own car insurance policies. It partners with reputable companies, like Dairyland, Progressive and Kemper Auto, to sell auto insurance. In terms of coverage, Freeway works with providers that offer all the standard coverage types, as well as a few endorsements and SR-22 filings for high-risk drivers.

Pros and cons of Freeway Insurance car insurance

Before you purchase a car insurance policy through Freeway Insurance, it may be a good idea to consider the pros and cons of working with the broker company.

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Pros

  • Policies sold in all 50 states
  • Advertises affordable premiums
  • Offers SR-22 filings for high-risk drivers
  • Variety of add-on coverage available
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Cons

  • Freeway doesn’t underwrite its own policies
  • Fewer discounts than competitors
  • Local offices are not in every city
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Freeway car insurance cost

Because it does not underwrite its own policies, Freeway car insurance rates are unavailable. That said, car insurance rates are unique to each driver. Your insurance premium may be impacted by numerous personal factors, including your insurance company, your age, credit score (in some states), driving record, claim history and gender. The average cost of car insurance in the U.S. is $2,685 for full coverage, which includes collision and comprehensive, and $800 for minimum coverage. You can request a free quote on Freeway’s website to see how much you would pay based on your situation.

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Freeway Insurance home insurance review

Like its auto insurance product, Freeway also does not underwrite its own home insurance policies. Instead, homeowners can contact Freeway to collect and compare home insurance quotes.

Policies include standard types of coverage, including dwelling insurance, personal property coverage and liability. Freeway doesn't list any optional endorsements that might be available, but talking to an agent should give you access to that information.

Pros and cons of Freeway Insurance homeowners insurance

Working with a broker for Freeway home insurance may be a good option for some, but there are also a few downsides that you may want to consider. Here are some of the pros and cons of Freeway homeowners insurance:

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Pros

  • Advertises low-cost home insurance
  • Can compare multiple home insurance quotes simultaneously
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Cons

  • Must call for a quote; online home insurance quotes are not available
  • Not available in every state
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Freeway home insurance cost

As Freeway does not underwrite its own home insurance policies, average rates for the company itself are unavailable. To find out if it's the cheapest option for your home insurance, you can work with an agent to get a quote. The higher your coverage limits are, the more expensive your premium will generally be. Other factors that can impact your home insurance premium include your insurance company, age, ZIP code, credit score and insurance claim history. For comparison's sake, the average cost of home insurance in the U.S. is $2,267 for a policy with a $300K dwelling limit.

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Freeway life insurance review

If you are looking for life insurance, Freeway advertises basic policy options for term life insurance and whole life insurance. However, the company does not mention which providers underwrite the policies or what coverage limits are available. Depending on your coverage needs, it may make sense to explore coverage from a life insurance company that underwrites its own policies. Keep in mind that the cost of your policy will be directly related to the type of insurance you purchase, as well as your age, health and other factors, so you won't know if it's the cheapest life insurance company for your needs until you receive a quote.

Pros and cons of Freeway life insurance

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Pros

  • Term and whole life policies available
  • Offers online quotes
Red circle with an X inside

Cons

  • No endorsements advertised
  • No coverage limits mentioned online
  • Policies are not underwritten by Freeway

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Compare Freeway Insurance with other insurers

If you are still deciding whether Freeway is a good insurance provider for your needs, you might also consider one of the following insurance companies:

Freeway Insurance vs. Safety Insurance

Safety Insurance is an insurance provider that specializes in high-risk auto insurance. The company sells car insurance and homeowners insurance, with packages that provide different types of coverage based on the amount of protection you need. Like Freeway, Safety Insurance does not typically receive third-party ratings for customer satisfaction or claim satisfaction. To purchase any policy with Safety, you must live in Massachusetts, Maine or New Hampshire.

Learn more: Safety insurance review

Freeway Insurance vs. Encompass

If you are in the market for home and auto insurance, it may be worthwhile to consider Encompass’ EncompassOne policy. There are three tiers of coverage available, and it’s possible to bundle home and auto insurance under a single policy, which could result in savings. Encompass also offers other types of policies, like renters insurance and umbrella insurance. Encompass sells coverage in most states and has a network of 2,600 independent agents.

Learn more: Encompass insurance review

Freeway Insurance vs. Geico

If you're looking for affordable coverage, Geico may be another option to consider. The company earned a place on Bankrate's list of the best car insurance companies, partly due to its low average rates, and it offers a generous handful of discounts that can lower your rate even more. Like Freeway, Geico does not underwrite its own homeowner or life insurance policies, but if you're looking for life insurance, it has more options than Freeway.

Learn more: Geico insurance review

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Why you can trust Bankrate

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

78

years of industry experience

9

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

Is Freeway Insurance a good insurance company?

Bankrate’s analysis of Freeway Insurance determined that working with Freeway may be a good option for some people, but whether it’s the right fit depends on the type of coverage you want. Its auto insurance options may be appealing to high-risk drivers who need an SR-22, and Freeway also offers a few unique non-insurance programs, like paintless dent repair plan and windshield repair plan. However, Freeway doesn’t underwrite its own auto, home or life insurance policies, so it may be more worthwhile to work directly with a company that issues its own coverage in some cases.

What are real-life customers saying about Freeway?

To round out our Freeway insurance review, our insurance editorial team looked at real-life reviews of the insurance broker from sites like Reddit and Trustpilot.

Reddit

Reddit insurance reviews tend to skew negative, and it’s no different for Freeway (although it’s a broker, not actually an insurance company). Many Reddit users expressed frustration with the company’s broker fees.

Reddit User 1*
May 6, 2024
Nonrefundable fees
Buyer beware, this insurance broker only directs you to another insurance company, and for doing so, they charge you an exorbitant non-refundable fee. In our case, the fee was about the same amount I had to pay the other insurance company for 6 months of coverage. This is ridiculous, Freeway Insurance assumes no financial liability and earns just as much as the company they refer you to. When I found a better insurance company for less, I canceled the original policy, but I was unable to get the brokerage fee (over $350) back from Freeway Insurance.
via Reddit
Reddit User 2*
Mar 4, 2024
High, hidden broker fees
This place is the worst company that I've ever dealt with they lie to you just to try to get your money I was never told anything about a broker's pay I'm on social security and I told the girl over and over that that I just needed liability for the DMV but I was on a limited income and I have no extra money they charged me $422 saying that I was getting the six months and after that I would have a payment but two weeks later I was canceled for non-payment when I paid the $422 in full so I called them and they told me that there was nothing they could do that it was a broker fee
via Reddit

TrustPilot

Freeway reviews on Trustpilot are, as a whole, pretty positive. There are upward of 2,800 reviews on the site, with the average rating sitting at 4.6 out of a possible 5 stars. Many of the reviews praise individual customer service representatives for helping drivers secure policies, while others lauded the cheap quote premiums.

TrustPilot User 1*
Jul 7, 2024
Easy quotes and low price
My experience with getting car insurance from Freeway insurance was great. I will recommend them to anybody that needs car insurance. They got all my information gave me a quote and you guys were able to beat everybody else. I appreciate it. The agent was awesome thank you so much.
TrustPilot User 2*
Jun 23, 2024
Fast quoting process
This was such an easy process, I googled car insurance near me, 3 companies came up, I called the first company and got a voice-mail saying, closed for lunch, called the second company and the lady said she wanted to text me some questions about what I needed first but I didn't want to do that, I just wanted a quick quote. So I called the third number and is was Freeway insurance, I told the man I wanted a quote. He asked me some questions and we talked about prices, he found me a policy I could afford and I paid and then I was emailed copies of insurance cards. It was so perfectly easy. I am a very happy customer.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Freeway company details

  • Customer service: (888) 443-4662
  • Company website: www.freewayinsurance.com
  • Mailing address: 7711 Center Ave #200, Huntington Beach, CA 92647

State availability

Freeway Insurance works with providers that offer insurance policies in all 50 states and Washington, D.C. However, exact product availability will depend on the company underwriting the policy.

Freeway Insurance tools and benefits

One of the best features of Freeway is that the company offers unique plans, programs and policies that you might not find from another provider. Here are some of the perks of this company that are worth considering:

  • Tax preparation services: Freeway Insurance partners with TaxMax to provide tax preparation services, and you do not need to be an insurance customer to get access. According to the company, if you are eligible for a tax refund, you can get a cash advance for up to $6,000 within 24 hours.
  • Telehealth insurance: Through Freeway, you can purchase telehealth insurance, which gives you 24/7 access to virtual healthcare providers.
  • Paintless dent repair plan: You can purchase a paintless dent repair plan through the Travel Club membership. This will cover the cost of fixing small dents or dings so your car’s resale value is not impacted.
  • Windshield repair plan: Freeway sells a windshield repair plan that covers the cost of repairing windshield cracks.
  • Mexican auto insurance: If you're traveling south of the border, Freeway can help you stay covered with this policy addition.
  • Tire hazard protection plan: This protection plan covers up to $65 in repairs for each tire, offered as part of the Travel Club membership.
  • Roadside assistance: At $64 for a six-month plan or $109 for a 12-month plan, this perk can give you 24-hour emergency towing service, tire service and more for when you break down on the road.
  • Knowledge Center: Freeway's Knowledge Center offers a range of articles to help you better understand your insurance products.

Frequently asked questions about Freeway Insurance

Methodology

Rates

Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied: 

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

What policyholders are saying about Freeway

CTA Freeway has 49 reviews

Freeway has 49 reviews

Dive into community reviews below and see what others think about Freeway.

4.2 Star Icon
49 ratings
80% of consumers
recommend this insurer
Score breakdown
5 stars
45%
4 stars
35%
3 stars
14%
2 stars
4%
1 star
2%
Score by category
Overall rating 4.2 / 5
Original cost 3.7 / 5
Coverage 3.9 / 5
Customer Support 4.0 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about Freeway.
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Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I appreciate how easy is to make policy adjustments. We had multiple changes at the beginning and they were receptive to the feedback I had.
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
lower prices would make me re consider
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They try to find a lot of discounts for you to stay with them
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I wouldn't consider switching companies. They have great rates and awesome customer service
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They take care of their people
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I like them because they offer great benefits and perks. Like travel and hotels and vacation destinations.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
It was cheap and insured two cars at a good price
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Fit my budget and the customer service was awesome.
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 3 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I’m staying because it’s hard for me to get insurance with any other company
Insurance Type
Auto
Score by category
Original cost 1 / 5
Customer Support 3 / 5
Coverage 1 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I choose freeway , because they have better monthly prices at better quality
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 3 / 5
Written by
Natalie Todoroff
Writer II, Insurance
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by Editor II, Insurance